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Generated 15-08-2026
Active BE 0422.938.509Non-profit association

AMO Point Jaune

Rue du Palais 12 ·6000 Charleroi, Belgium· 44 yrs active
Sector: Andere vormen van maatschappelijke dienstverlening zonder huisvesting, neg (88999)
Conclusion Checked

The computed 12-month bankruptcy probability of AMO Point Jaune is < 0.1% (very low). The 2024 annual accounts show equity of €7k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 32 sector peers (fiscal year 2024). The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €7k
Net result €3k
Staff (FTE) 14.5
Better than sector 5%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health76Profitability100Solvency14Growth32Stability100
64 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 76
Profitability 100
Solvency 14
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
< 0.1% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Lower-failure-rate sector −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1982, 44 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
76 / 100 Excellent
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 02-07-2025 with the NBB · fiscal year 2024 · volledig
€-10k€-5k€0€5k€10kOperating result 2020: €8k€8kNet result 2020: €7k€7kOperating result 2021: €-8k€-8kNet result 2021: €-8k€-8kOperating result 2022: €2k€2kNet result 2022: €2k€2kOperating result 2023: €3k€3kNet result 2023: €3k€3kOperating result 2024: €4k€4kNet result 2024: €3k€3k20202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~66% of the level (threshold 35%). We therefore deliberately show no projection line.
€0€3k€5k€8k2018: €8k2019: €2k2020: €9k2021: €3712022: €2k2023: €4k2024: €7k2018201920202021202220232024
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 88 · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 1.2% 44.5%
better than 5% of 32 sector peers
Net result €3k €16k
better than 25% of 32 sector peers
Equity €7k €425k
better than 5% of 32 sector peers
Staff costs €1.05M €1.13M
higher than 43% of 30 sector peers
Total assets €589k €805k
better than 32% of 32 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€5k
+4.6% 18-24
Net profit
€3k
+7.3% 18-24
Cash flow
€5k
+4.9% 18-24
Total assets
€589k
+14.8% 18-24
Equity
€7k
+64.6% 18-24
Working capital
€58k
-52.4% 18-24
Employees (FTE)
15
-4.6% 18-24
Staff costs
€1.05M
-3.5% 18-24
Debt
€582k
+14.3% 18-24
Debt ≤ 1y
€527k
+36.5% 18-24
Current ratio
1.11
-15.6% 18-24
Quick ratio
1.11
-15.6% 18-24
Solvency
1.2%
+43.4% 18-24
Debt / equity
79.38
-30.5% 18-24
ROE
45.2%
-34.8% 18-24
ROA
0.6%
-6.5% 18-24
Interest coverage
17.33
-0.8% 18-24
Figures by fiscal year
Fiscal year2024
Depositvolledig
Revenue-
EBITDA€5k
Net profit€3k
Cash flow€5k
Staff costs€1.05M
Income taxes-
Dividends-
Total assets€589k
Equity€7k
Debt€582k
of which ≤ 1y€527k
of which > 1y-
Working capital€58k
Employees (FTE)14.5
Ratios (computed)
2024
Current ratio1.11
Quick ratio1.11
Working capital ratio9.8%
Solvency1.2%
Debt / equity79.38
Long-term debt ratio-
Interest coverage17.33
Gross margin-
Net margin-
ROA0.6%
ROE45.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€589k
Fixed assets 21/28€5k
Tangible fixed assets 22/27€2k
Financial fixed assets 28€3k
Current assets 29/58€584k
Amounts receivable within one year 40/41€142k
Cash & bank 54/58€432k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€589k
Equity 10/15€7k
Accumulated profits (losses) 14€7k
Amounts payable 17/49€582k
Amounts payable within one year 42/48€527k
Trade debts payable within one year 44€10k
Income statement
Gross operating margin 9900€1.06M
Operating result 9901€4k
Financial income 75€80
Financial charges 65€288
Result before taxes 9903€3k
Net result for the period 9904€3k
Result to be appropriated 9905€3k
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Former directors (4)
  • BAUDUIN Lucien
    Director
    State Gazette act 24167579 (26-11-2024)
    Former
    - → 24-11-2023
  • DI FELICE Luisa
    Director
    State Gazette act 24167579 (26-11-2024)
    Former
    - → 24-11-2023
  • GIOT Marie-Paule
    Director
    State Gazette act 24167579 (26-11-2024)
    Former
    - → 24-11-2023
  • STEFANIA RioLil
    Director
    State Gazette act 24167579 (26-11-2024)
    Former
    - → 24-11-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Andere vormen van maatschappelijke dienstverlening zonder huisvesting, neg(88999)
Legal form Non-profit association(017)
Incorporation04-02-1982
StatusActive
Postal code6000
Establishment units 1 location
Service d'Aide aux Jeunes
Rue du Palais 12, 6000 CharleroiGemeentelijk gesubsidieerd gewoon technisch en beroepssecundair onderwijs
since 19822.160.501.289
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52011B0239/00Y025 Wallonia 167 m² 1 · 90 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
02-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · volledig
2024
26-11-2024
State Gazette act Director changes
28-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
01-07-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
2022
07-07-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
19-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · volledig
2020
03-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · volledig
2019
26-06-2019
NBB filing Annual accounts filed
fiscal year 2018 · volledig
2018
30-07-2018
NBB filing Annual accounts filed
fiscal year 2017 · volledig
2017
10-07-2017
NBB filing Annual accounts filed
fiscal year 2016 · volledig
2016
30-06-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2024
26-11-2024 4 resigning Director changes
  • GIOT Marie-Paule, Bestuurder
  • BAUDUIN Lucien, Bestuurder
  • DI FELICE Luisa, Bestuurder
  • STEFANIA RioLil, Bestuurder
Technical details 
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  "act_meta": {
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  "is_correction": false,
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige maatschappelijke dienstverlening zonder huisvesting, n.e.g.85323Andere vormen van maatschappelijke dienstverlening zonder huisvesting, n.e.g.88999Andere vormen van maatschappelijke dienstverlening zonder huisvesting, neg88999
Primary activity highlighted.
Names & trade names
Legal nameNL AMO Point Jaune
Registered office
Rue du Palais 12
6000 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative